User-friendly transaction interface

ABSTRACT

Methods and systems for facilitating electronic transactions on a mobile communications device are described. Available funding sources for sending funds to a contact from a list of contacts is provided for display on a graphical user interface (GUI) of a mobile communications device. A selection of a funding source from the available funding sources is received from the mobile communications device. In response to receiving a selection of the funding source, a payment indicator is provided for display on the GUI. A touch input associated with the payment indicator is receiving via the GUI. A transaction amount is determined based on a contact point dependent measurement of the touch input. The determined transaction amount along with the payment indicator is provided for display on the GUI.

CROSS-REFERENCE TO RELATED APPLICATIONS

This continuation patent application claims priority to and the benefitof U.S. patent application Ser. No. 15/349,846, filed Nov. 11, 2016,which will issue as U.S. Pat. No. 9,767,448 on Sep. 19, 2017, and whichis a continuation of U.S. patent application Ser. No. 14/558,656, filedDec. 2, 2014, which issued as U.S. Pat. No. 9,547,854 on Jan. 17, 2017,and which is incorporated herein by reference in its entirety.

BACKGROUND Field of the Invention

The present invention generally relates to user interfaces thatfacilitate electronic transactions on user devices, and morespecifically to graphical user interfaces that detect gesture inputs anduse minimal text and more pictures and images.

Related Art

Mobile payment services are popular among consumers because of theirconvenience. Typically, the mobile payment service is provided through agraphical user interface generated as a result of executing a serviceapplication and displayed on user devices. Such a graphical userinterface typically shows various types of information on a merchant, adesired purchase, and payment instruments.

Most graphical user interfaces require a lot of reading and clicking toprocess payment requests, which can be inconvenient for a consumer.Thus, a need exists for a simpler, more intuitive way to make paymentson user devices.

BRIEF DESCRIPTION OF THE FIGURES

FIG. 1 is a block diagram illustrating a system for facilitating anelectronic transaction on a user device according to an embodiment ofthe present disclosure;

FIG. 2 is a block diagram illustrating a user device according to anembodiment of the present disclosure.

FIG. 3 is a flowchart showing a method for facilitating an electronictransaction on a user device according to an embodiment of the presentdisclosure;

FIGS. 4A-4I are screenshots of user interfaces that illustrate a methodof sending payment according to an embodiment of the present disclosure;

FIGS. 5A-5B are screenshots of user interfaces that illustrate a methodof paying for goods or paying a merchant according to an embodiment ofthe present disclosure;

FIG. 6 is a screenshot of a user interface that is a presented to a userwhen requesting payment.

FIG. 7 is a block diagram of a system for implementing a deviceaccording to an embodiment of the present disclosure.

Embodiments of the present disclosure and their advantages are bestunderstood by referring to the detailed description that follows. Itshould be appreciated that like reference numerals are used to identifylike elements illustrated in one or more of the figures, whereinshowings therein are for purposes of illustrating embodiments of thepresent disclosure and not for purposes of limiting the same.

DETAILED DESCRIPTION

The systems and methods described herein provide user-friendly graphicaluser interfaces (GUIs) that facilitate electronic transactions, such aspayments on a user device. The GUIs may be used to send or requestpayment. In various embodiments, the GUIs include colors, bigger fontsizes, less words, animation, simple graphics, and/or visual indicatorsfor generally time-consuming actions. The GUIs allow a user to usegestures to input payment details, such as payee/merchant, payer,transaction amounts, and/or payment or funding sources.

A GUI representing a main page is displayed to a user on a user device.The GUI, in various embodiments, includes the user's group of contacts(e.g., friends or merchants that the user has had financial transactionswith in the past). In response to detected or received gesture inputs,the user device displays various graphical elements. For example, if theuser taps on an image of a contact, the image of the contact isenlarged, and the user can engage in financial transactions with thecontact. In certain embodiments, the user wants to send a payment to thecontact. By using various gesture inputs such as swiping, tapping,tracing, and dragging and dropping, the user is able to select orspecify the payment amount and the funding source and complete thetransaction. The degree of the gesture input, in one embodiment, can beused to specify payment amounts. For example, the longer the length of aswiping gesture, the greater the amount to be paid. In some embodiments,the user wants to request payment from the contact. In anotherembodiment, the speed of the gesture input indicates how fast toincrease the payment amount.

FIG. 1 shows one embodiment of a block diagram of a network-based system100 adapted to facilitate an electronic transaction on a user device,such as user devices 120 and 140 over a network 160. As shown, system100 may comprise or implement a plurality of servers and/or softwarecomponents that operate to perform various methodologies in accordancewith the described embodiments. Exemplary servers may include, forexample, stand-alone and enterprise-class servers operating a server OSsuch as a MICROSOFT® OS, a UNIX® OS, a LINUX® OS, or other suitableserver-based OS. It can be appreciated that the servers illustrated inFIG. 1 may be deployed in other ways and that the operations performedand/or the services provided by such servers may be combined orseparated for a given implementation and may be performed by a greaternumber or fewer number of servers. One or more servers may be operatedand/or maintained by the same or different entities.

As shown in FIG. 1, the system 100 includes a first user device 120(e.g., a smartphone), one or more merchant servers or devices 130 (e.g.,network server devices), a second user device 140 (e.g., a smartphone)and at least one service provider server or device 180 (e.g., networkserver device) in communication over the network 160. The network 160,in one embodiment, may be implemented as a single network or acombination of multiple networks. For example, in various embodiments,the network 160 may include the Internet and/or one or more intranets,landline networks, wireless networks, and/or other appropriate types ofcommunication networks. In another example, the network 160 may comprisea wireless telecommunications network (e.g., cellular phone network)adapted to communicate with other communication networks, such as theInternet. As such, in various embodiments, the user devices 120 and 140,merchant servers or devices 130, and service provider server or device180 may be associated with a particular link (e.g., a link, such as aURL (Uniform Resource Locator) to an IP (Internet Protocol) address).

The first user device 120 and second user device 140, in one embodiment,may be utilized by first user 102 and second user 104 to interact withthe service provider server 180 over the network 160. For example, users102 and 104 may conduct financial transactions (e.g., account transfers)with the service provider server 180 and with each other via the userdevices 120 and 140.

The first user device 120 and second user device 140, in variousembodiments, may be implemented using any appropriate combination ofhardware and/or software configured for wired and/or wirelesscommunication over the network 160. The first user device 120, in oneembodiment, may be utilized by the first user 102 to interact with theservice provider server 180 over the network 160. The second user device140, in turn, may be used by the second user 104 to interact with theservice provider server 180. For example, the first user 102 may conductfinancial transactions (e.g., account transfers) with the serviceprovider server 180 via the user device 120. In various implementations,the user device 120 may include at least one of a wireless cellularphone, personal digital assistant (PDA), satellite phone, wearablecomputing device, mobile device, etc.

The first user device 120, in one embodiment, includes a user interfaceapplication 122, which may be utilized by the first user 102 to conducttransactions (e.g., shopping, purchasing, bidding, payment, etc.) withthe second user device 140, merchant server or device 130 or with theservice provider server 180 over the network 160. In one aspect,purchase expenses may be directly and/or automatically debited from anaccount related to the first user 102 via the user interface application122.

In one implementation, the user interface application 122 comprises asoftware program, such as a graphical user interface (GUI), executableby a processor that is configured to interface and communicate with theservice provider server 180 via the network 160. In anotherimplementation, the user interface application 122 comprises a browsermodule that provides a network interface to browse information availableover the network 160. For example, the user interface application 122may be implemented, in part, as a web browser to view informationavailable over the network 160.

In an example, the first user 102 is able to access merchant websitesvia the one or more merchant servers 130 to view and select items forpurchase, and the first user 102 is able to purchase items from the oneor more merchant servers 130 via the service provider server 180.Accordingly, in one or more embodiments, the first user 102 may conducttransactions (e.g., purchase and provide payment for one or more items)from the one or more merchant servers 130 via the service providerserver 180.

The first user device 120, in various embodiments, may include otherapplications 124 as may be desired in one or more embodiments of thepresent disclosure to provide additional features available to the firstuser 102. In one example, such other applications 124 may includesecurity applications for implementing client-side security features,programmatic client applications for interfacing with appropriateapplication programming interfaces (APIs) over the network 160, and/orvarious other types of generally known programs and/or softwareapplications. In still other examples, the other applications 124 mayinterface with the user interface application 122 for improvedefficiency and convenience.

In various implementations, a user profile may be created using data andinformation obtained from cell phone activity over the network 160. Cellphone activity transactions may be used by the service provider server180 to create at least one user profile for the first user 102 based onactivity from the first user device 120 (e.g., cell phone), and for thesecond user 104 based on activity from the second user device 140. Theuser profile may be updated with each financial and/or informationtransaction (e.g., payment transaction, purchase transaction, etc.)achieved through use of the user devices 120 and 140. In variousaspects, this may include the type of transaction and/or the locationinformation from the user devices 120 and 140. As such, the profile maybe used for recognizing patterns of potential fraud, setting transactionlimits on the user, etc.

The first user device 120, in one embodiment, may include at least oneuser identifier 126, which may be implemented, for example, as operatingsystem registry entries, cookies associated with the user interfaceapplication 122, identifiers associated with hardware of the first userdevice 120, or various other appropriate identifiers. The useridentifier 126 may include one or more attributes related to the firstuser 102, such as personal information related to the first user 102(e.g., one or more user names, passwords, photograph images, biometricIDs, addresses, phone numbers, social security number, etc.) and bankinginformation and/or funding sources (e.g., one or more bankinginstitutions, credit card issuers, user account numbers, security dataand information, etc.). In various implementations, the user identifier126 may be passed with a user login request to the service providerserver 180 via the network 160, and the user identifier 126 may be usedby the service provider server 180 to associate the first user 102 witha particular user account maintained by the service provider server 180.

In certain embodiments, first user device 120 includes a paymentapplication 128. In one embodiment, a service provider distributes thepayment application 128 to first user device 120 over the network 160.In some embodiments, the payment application 128 receives userinformation and creates a user profile containing the user information.The payment application 128, in various embodiments, collectsinformation regarding financial transactions of user 102, including whouser 102 has paid or received payment from (e.g., merchants, friends,co-workers, etc.), amounts involved in the transactions, and paymentinstruments used in the transactions. In some embodiments, the paymentapplication 128 receives or detects various user inputs and generates agraphical user interface based on the inputs.

Second user device 140 may have similar applications and modules asfirst user device 120, although not specifically shown. Second userdevice 140 may also include a user interface application 122 and one ormore other applications 124 which may be used, for example, to provide aconvenient interface to permit second user 104 to browse informationover network 160. For example, in one embodiment, user interfaceapplication 122 may be implemented as a web browser configured to viewinformation available over the Internet and communicate with serviceprovider server 180.

Second user device 140 may further include other applications 124 suchas security applications for implementing client-side security features,programmatic client applications for interfacing with appropriateapplication programming interfaces (APIs) over network 160, or othertypes of applications. Applications 124 may also include email, text,IM, and voice applications that allow second user 104 to communicatethrough network 160, receive messages from first user 102, and createand manage funding sources. Second user device 140 includes one or moreuser identifiers 126 which may be implemented, for example, as operatingsystem registry entries, cookies associated with user interfaceapplication 122, identifiers associated with hardware of second userdevice 140, or other appropriate identifiers, such as used forpayment/recipient/device authentication, e.g., the phone numberassociated with second user device 140. Identifiers may be used by aservice provider to associate second user 104 with a particular accountmaintained by the service provider. Second user device may also includepayment application 128.

User devices 120, 140 each also include a display to present a GUI forvarious types of applications. The display may be a liquid crystaldisplay, a thin film transistor-liquid crystal display, an organiclight-emitting diode, a flexible display, or 3D display, but is notlimited thereto.

In various embodiments, the display is a touch screen configured toreceive inputs and to display information. The display may include atouch sensor layered on or beneath the display. The touch sensor isconfigured to detect a touch input. The touch sensor may be a touchfilm, a touch sheet, or a touch pad. The touch sensor may be configuredto convert a pressure applied to or a change in capacitance around aparticular place on the display into an electric input signal. The touchsensor may detect a pressure, a particular location where a touch inputis made, or a direction of a touch input. When the touch sensor detectsa touch input, the touch sensor sends a corresponding electric inputsignal to a touch controller. The touch controller processes theelectric input signal and sends corresponding data to a main controller.The touch controller determines an area of the display where the touchinput is made.

The touch screen may display one or more graphical elements as a userinterface. Such a touch screen enables a user to select or to activatean operation associated with at least one graphical element displayedthereon. For example, a user can select or activate at least onegraphical element by touching the graphical element using one or morefingers or by releasing the touched graphical element. The touch screenmay detect various types of gesture inputs. The gesture inputs mayinclude a touch input, a tap input, a double tap input, a hold input, atouch and move input, a flick or swipe input, and a drag and drop input,including performing one or more gestures at different speeds to performdifferent actions. The touch input may initiate operation for selectinga predetermined graphical element or an area around a predeterminedgraphical element. The tap input may initiate operation for executing anapplication associated with a predetermined graphical element. Thedouble-tap input may initiate operation for controlling (e.g., enlargingor reducing) a size of a graphical element. The hold input may initiateoperation for activating a detailed menu associated with a selectedgraphical element. The touch and move input may initiate operation forscrolling a graphical element. The flick or swipe input may initiateoperation for moving in and out of the layers of graphical elements. Thedrag and drop input may initiate operation for moving selected graphicalelements.

In some embodiments, the touch screen includes a multi-touchscreen.Multi-touchscreens can recognize multiple points of contactsimultaneously and hence are able to detect several fingers of a user.This increases the number of possible gestures that are detected.

FIG. 2 illustrates an embodiment of first user device 120. The device120 includes several components or modules, such as a communicationmodule 202, interface module 204, payee identity module 206, payeridentity module 208, funding source module 210, payment status module212, and storage module 214.

The device 120 includes a communication module 202 that is coupled tothe network 216 and to any or all of an interface module 204, payeeidentity module 206, payer identity module 208, funding source module210, and payment status module 212, any of which may be coupled to astorage module 214. Any or all of the modules 202-212 may be implementedas a subsystem of the user device 120 including for example, a circuit,a hardware component, a hardware subcomponent, and/or a variety of othersubsystems known in the art. Furthermore, any or all of the modules202-212 may be preconfigured to perform their disclosed functionality,or may be configured by a processing system “on-the-fly” or as needed toperform their disclosed functionality. As such, any or all of themodules 202-212 may include pre-configured and dedicated circuits and/orhardware components of the first user device 120, or may be circuitsand/or hardware components that are configured as needed.

For example, any or all of the modules 202-212 may be provided via oneor more circuits that include resistors, inductors, capacitors, voltagesources, current sources, switches, logic gates, registers, and/or avariety of other circuit elements known in the art. One or more of thecircuit elements in a circuit may be configured to provide thecircuit(s) that cause the modules 202-212 to perform the functionsdescribed below. As such, in some embodiments, preconfigured anddedicated circuits may be implemented to perform the functions of themodules 202-212. In other embodiments, a processing system may executeinstructions on a non-transitory, computer-readable medium to configureone or more circuits as needed to perform the functions of the modules202-212.

The communication module 202 may be included as a separate moduleprovided in the device 120, or may be provided using instructions storedon a computer-readable medium that, when executed by a processing systemin the device 120, configure the communication module 202 to send andreceive information over the network 216, as well as provide any of theother functionality that is discussed herein. The interface module 204may be included as a separate module provided in the device 120, or maybe provided using instructions stored on a computer-readable mediumthat, when executed by a processing system in the device 120, configurethe interface module 204 to generate an intuitive interface for user102, as well as provide any of the other functionality that is discussedherein. In some embodiments, the interface module 204 uses user 102'sinformation, for example, transaction history, profile, demographicinformation, behavior, and/or information from social networkingwebsites to generate the interface. In other embodiments, interfacemodule 204 receives information from interface module 204, payeeidentity module 206, payer identity module 208, funding source module210, and/or payment status module 212. The payee identity module 206 maybe included as a separate module provided in the device 120, or may beprovided using instructions stored on a computer-readable medium that,when executed by a processing system in the device 120, configure thepayee identity module 206 to provide suggested recipients of payment tointerface module 204, as well as provide any of the other functionalitythat is discussed herein. The payer identity module 208 may be includedas a separate module provided in the device 120, or may be providedusing instructions stored on a computer-readable medium that, whenexecuted by a processing system in the device 120, configure the payeridentity module 208 to provide suggested persons to request payment fromto interface module 204. The funding source module 210 may be includedas a separate module provided in the device 120, or may be providedusing instructions stored on a computer-readable medium that, whenexecuted by a processing system in the device 120, configure the fundingsource module 210 to provide available funding sources to interfacemodule 204. The payment status module 212 may be included as a separatemodule provided in the device 120, or may be provided using instructionsstored on a computer-readable medium that, when executed by a processingsystem in the device 120, configure the payment status module 212 todetermine and provide one or more stages of completion of a paymenttransaction to interface module 204. Furthermore, other modulesdiscussed above but not illustrated in FIG. 2 may be provided asseparate modules on the device 120, or using instructions stored on acomputer-readable medium similarly as discussed above. While the storagemodule 214 has been illustrated as located in the device 120, one ofordinary skill in the art will recognize that it may include multiplestorage modules and may be connected to the modules 204-212 through thenetwork 216 without departing from the scope of the present disclosure.

The one or more merchant servers 130, in various embodiments, may bemaintained by one or more business entities (or in some cases, by apartner of a business entity that processes transactions on behalf ofbusiness entities). Examples of businesses entities include merchants,resource information companies, utilities, real estate managementcompanies, social networking companies, etc., which offer various itemsfor purchase and payment. In some embodiments, business entities mayneed registration of the user identity information as part of offeringthe items to the users 102, 104 over the network 160. As such, each ofthe one or more merchant servers 130 may include a merchant database 132for identifying available items, which may be made available to the userdevices 120, 140 for viewing and purchase by the users 102, 104. In oneor more embodiments, users 102, 104 may complete a transaction such aspurchasing the items via service provider server 180.

Each of the merchant servers 130, in one embodiment, may include amarketplace application 134, which may be configured to provideinformation over the network 160 to the user interface application 122,142 of the user devices 120, 140. For example, first user 102 mayinteract with the marketplace application 134 through the user interfaceapplication 122 over the network 160 to search and view various itemsavailable for purchase in the merchant database 132.

Each of the merchant servers 130, in one embodiment, may include atleast one merchant identifier 136, which may be included as part of theone or more items made available for purchase so that, e.g., particularitems are associated with particular merchants. In one implementation,the merchant identifier 136 may include one or more attributes and/orparameters related to the merchant, such as business and bankinginformation. The merchant identifier 130 may include attributes relatedto the merchant server or device 130, such as identification information(e.g., a serial number, a location address, GPS coordinates, a networkidentification number, etc.). In various embodiments, user 102 mayconduct transactions (e.g., searching, selection, monitoring,purchasing, and/or providing payment for items) with each merchantserver 130 via the service provider server 180 over the network 160.

A merchant website may also communicate (for example, using merchantserver 130) with the service provider through service provider server180 over network 160. For example, the merchant website may communicatewith the service provider in the course of various services offered bythe service provider to merchant website, such as payment intermediarybetween customers of the merchant website and the merchant websiteitself. For example, the merchant website may use an applicationprogramming interface (API) that allows it to offer sale of goods inwhich customers are allowed to make payment through the serviceprovider, while users 102, 104 may have an account with the serviceprovider that allows users 102, 104 to use the service provider formaking payments to merchants that allow use of authentication,authorization, and payment services of service provider as a paymentintermediary. The merchant website may also have an account with theservice provider.

The service provider server 180, in one embodiment, may be maintained bya transaction processing entity or an online service provider, which mayprovide processing for financial transactions and/or informationtransactions between the first user 102, the second user 104, and one ormore of the merchant servers 130. As such, the service provider server180 includes a service application 182, which may be adapted to interactwith the user devices 120, 140 and/or each merchant server 130 over thenetwork 160 to facilitate the searching, selection, purchase, and/orpayment of items by the users 102, 104 from one or more of the merchantservers 130. In one example, the service provider server 180 may beprovided by PayPal®, Inc., eBay® of San Jose, Calif., USA, and/or one ormore financial institutions or a respective intermediary that mayprovide multiple point of sale devices at various locations tofacilitate transaction routings between merchants and, for example,financial institutions.

The service application 182, in one embodiment, utilizes a paymentprocessing application 184 to process purchases and/or payments forfinancial transactions between the users 102, 104 and each of themerchant servers 130. In one implementation, the payment processingapplication 184 assists with resolving financial transactions throughvalidation, delivery, and settlement. As such, the service application182 in conjunction with the payment processing module 184 settlesindebtedness between the users 102, 104 and each of the merchants 130,wherein accounts may be directly and/or automatically debited and/orcredited of monetary funds in a manner as accepted by the bankingindustry.

The service provider server 180, in one embodiment, may be configured tomaintain one or more user accounts and merchant accounts in an accountdatabase 186, each of which may include account information 188associated with one or more individual users (e.g., first user 102 andsecond user 104) and merchants (e.g., one or more merchants associatedwith merchant servers 130). For example, account information 188 mayinclude private financial information of users 102, 104 and eachmerchant associated with the one or more merchant servers 130, such asone or more account numbers, passwords, credit card information, bankinginformation, or other types of financial information, which may be usedto facilitate financial transactions between first user 102, second user104, and the one or more merchants associated with the merchant servers130. In various aspects, the methods and systems described herein may bemodified to accommodate users and/or merchants that may or may not beassociated with at least one existing user account and/or merchantaccount, respectively.

In one implementation, the users 102, 104 may have identity attributesstored with the service provider server 180, and users 102, 104 may havecredentials to authenticate or verify identity with the service providerserver 180. User attributes may include personal information, bankinginformation and/or funding sources. In various aspects, the userattributes may be passed to the service provider server 180 as part of alogin, search, selection, purchase, and/or payment request, and the userattributes may be utilized by the service provider server 180 toassociate users 102, 104 with one or more particular user accountsmaintained by the service provider server 180.

Referring now to FIG. 3, a flowchart of a method 300 for facilitating anelectronic transaction on a user device is illustrated according to anembodiment of the present disclosure. In various embodiments, the users102, 104 each register with a service provider, which runs a mobileapplication. Registration may include signing up for the service andagreeing to any terms required by the service provider, such as througha user device. In one embodiment, the user device is a mobile computingdevice, such as a smart phone, a PC, or a computing tablet. In otherembodiments, registration may be done completely through the userdevice, partially through the user device, or without using the userdevice, such as through a phone call or in-person visit to arepresentative of the payment service provider.

The user may be requested to provider specific information forregistration, such as, but not limited to, a name, address, phonenumber, email address, picture, a user name for the account, and apassword or PIN for the account. The type of information may depend onwhether the user already has an account with the service provider.Requested information may be entered through the user device or othermeans, including voice or manual key entry. Once all the requestedinformation is received and confirmed, the service provider may createan account for the user.

At step 302, first user 102 initiates a payment transaction on firstuser device 120. For example, first user 102 can log in to paymentapplication 128 and choose an option of sending payment or requestingpayment.

At step 304, interface module 204 generates a GUI to display to firstuser 102. As shown in FIG. 4A, an exemplary main page, screen, ordisplay 400 includes a search field 402 and a group of images of friendsor contacts 404. First user 102 may use the search field 402 to find aspecific friend or contact. For example, a phone number, email address,first name, last name, or location can be entered into search field 402.

Friends in friend images 404 may be provided to interface module 204 bypayee identity module 206 or payer identity module 208. In the exampleshown in FIG. 4A, payee identity module 208 identifies and providessuggested or intended payees (e.g. second user 104). The suggestedpayees may be based on one or more of, for example, transaction history(e.g., persons first user 102 borrowed money from and owes money to),phone contacts or electronic mail contact lists, location (e.g., personsnear or in close proximity to first user 102), and contacts on socialnetworking sites. In FIG. 4A, friends that are nearby or around firstuser 102 are identified with an airdrop icon 406. This feature can beuseful when friends go out together for a meal, and one friend wants topay back another friend for his or her share of the meal.

At step 306, in response to a gesture input received or detected fromfirst user 102 that indicates a selection of a payee (e.g., second user104), the interface module 204 causes to be displayed a GUI with firstuser 102's selection of second user 104. FIG. 4B illustrates anexemplary page 405 that is presented to first user 102 on first userdevice 120, including the image of selected payee 404A. The image 404Ais large and takes up most of the page to ensure that first user 102sees the image 404A and has made the correct selection. First user 102can tap anywhere outside the image 404A to return to the main page 400.

At step 308, the interface module 204 detects a gesture input from firstuser 102 that indicates that first user 102 would like to view thetransaction history 408 associated with the second user 104 in image404A and causes to be displayed a GUI with the transaction history 408.In an exemplary embodiment, the gesture input is in the form of ahorizontal swipe gesture to the left. The transaction history 408 may beobtained from storage module 214 or may be accessed by communicatingwith account database 186 of service provider server 180. FIG. 4Cillustrates an exemplary page 410 that is displayed when first user 102swipes friend image 404A to the left. As shown in FIG. 4C, thetransaction history 408 includes amounts owed to second user 104 andassociated dates. The large font of the words and numbers enables firstuser 102 to easily read and locate payment amounts. Tapping on any ofthe displayed amounts can populate the amount to be sent to second user104 from first user 102. First user 102 can also specify a differentamount (e.g., an amount that is not displayed in the transactionhistory) to pay second user 104. In another embodiment, first user 102can select a displayed amount and then revise the displayed amount asfurther discussed below.

At step 310, the interface module 204 detects a gesture input from firstuser 102 that indicates that first user 102 would like to view availablefunding sources 412 and causes to be displayed a GUI with the availablefunding sources 412. In an exemplary embodiment, first user 102horizontally swipes the friend image 404A to the right. FIG. 4Dillustrates an exemplary page 415 that is displayed when first user 102swipes friend image 404A to the right. The available funding sources 408may include one or more bank accounts, credit cards, debit cards, giftcards, and service provider accounts. As shown, the funding sources aredepicted as cards with large, easy to identify, simple text.

In various embodiments, funding source module 210 determines availableor preferred funding sources of first user 102. For example, fundingsource module 210 analyzes transaction history (e.g., what fundingsources or payment instrument first user 102 has used in the past to paysecond user 104 or what funding sources first user 102 typically uses),available balances, costs associated with each funding source, availablecredit, and pending transactions. In exemplary embodiments, fundingsource module 210 transmits or communicates the preferred fundingsources to interface module 204 for display.

At step 312, interface module 204 detects a gesture input from firstuser 102 that indicates a selection of a funding source (e.g., firstuser 102 taps one of the funding sources) and causes to be displayed aGUI with the selected funding source 412. FIG. 4E illustrates anexemplary page 420 that is displayed when first user 102 selects thefunding source 414. As shown, a line 416, which may be colored, outlinesthe selected funding source 412. In an exemplary embodiment, once afunding source is selected, the unselected funding sources animatebehind the chosen funding source, and the page 420 automaticallyanimates the friend image 404A back to the center of the screen.

At step 314, interface module 204 detects a gesture input from firstuser 102 that indicates how much he or she would like to send seconduser 104 and causes to be displayed a GUI with the payment amount. In anexemplary embodiment, interface module 204 receives a swiping input fromfirst user 102. First user 102, in some embodiments, swipes his or herfinger around the friend image 404A to indicate the payment amount 418.For example, the interface module 204 detects a vertical or upward swipegesture that includes a contact 422 with the display and subsequentmovement of the contact 422 along the display to a new location 424. Insome embodiments, the swipe gesture by the first user 102 may bedetected anywhere on the display. In other embodiments, the swipegesture must be detected in a predefined area on the display, such asthe area around friend image 404A.

The speed or velocity of the swipe can indicate how fast to increase ordecrease the payment amount 418. For example, a faster swipe buildsincrements in dollars, while a slower swipe builds increments in cents.In some embodiments, the size or length 426 of the swipe can indicatethe size of the payment amount 418. For example, larger payment amountsare indicated by swipes that travel farther around the circle of friendimage 404A, while smaller payment amounts are indicated by shorterdistances around the circle. FIG. 4F illustrates an exemplary page 425that is displayed when first user 102 partially swipes the circle aroundfriend image 404A to the left. In this embodiment, the payment amount418 is $10.00. In other embodiments, how long first user 102 makescontact with the display can indicate the size of the payment. Forexample, the longer first user 102 holds down or presses a button on thepage 425, the larger the payment amount, and the less time first user102 touches the display, the smaller the payment amount. In certainembodiments, the number of contact points detected on the display canindicate payment size. In these embodiments, the greater the number ofcontact points used (e.g., first user 102 places three fingers on thedisplay rather than one or two) the larger the payment amount.

At step 316, interface module 204 detects a gesture input from firstuser 102 that indicates that he or she would like to send the paymentamount 418. To send the amount to second user 104, first user 102 candrag the payment amount 418 into the circle of the friend image 404.FIG. 4G illustrates an exemplary page 430 that is displayed when firstuser 102 drags the payment amount 418 into the circle.

At step 318, interface module 204 causes to be displayed to first user102 a GUI that requests first user 102 for input that first user 102 isready to send the payment amount 418. FIG. 4H illustrates an exemplarypage 435 that is presented to first user 102. As shown, a short andsimple message 428 in large font is overlaid on friend image 404A. Firstuser 102 can tap anywhere in the message circle 428 to send second user104 the payment amount 418. In some embodiments, first user 102 can drawa checkmark in the message circle 428 to indicate that payment isapproved. Should first user 102 wants to change anything in the paymentrequest or to cancel, he or she can tap the “X” 432. First user 102 canalso draw an “X” on the display. In exemplary embodiments, animationpulses around the message circle 428 as if suspended, waiting for thefirst user 102's tap.

At step 320, interface module 204 causes to be displayed a GUI thatshows that the transaction is completed. In various embodiments, paymentstatus module 212 transmits a message to interface module 204 thatpayment has been processed. FIG. 4I illustrates an exemplary page 440that is presented to first user 102. As shown, a checkmark 432 animatesinto the circle. The interface module 204, in some embodiments,automatically closes the page 440 and returns to the main page 400 sothat the cycle can be started again.

FIGS. 5A-5B are exemplary pages that are presented to first user 102 onfirst user device 120 when first user 102 wants to pay for goods or paya merchant (e.g. a merchant associated with merchant server 130).Starting from the exemplary main page 400 of FIG. 4A, first user 102 canprovide a gesture input on the main page 400. For example, first user102 can swipe the main page 400 to the right to reveal the pay moneypage 505. FIG. 5A illustrates an exemplary page 500 that shows a portionof main page 400 and a portion of pay money page 505. In variousembodiments, a tutorial is provided to first user 102 to introduce firstuser 102 to the different functions available when first user 102 usesthe main page 400 and/or pay money page 505 for the first time. The paymoney page 505 is similar to the send money page 400, and works insubstantially the same way as described above with respect to FIGS.4B-4I. As shown, the pay money page 505 also includes a search field502, a compilation of friend and merchant images 504, and airdrop icons506.

FIG. 6 is an exemplary page 600 that is presented to first user 102 whenfirst user 102 wants to request money from a friend. To request money,first user 102 can follow substantially the same steps outlined in FIGS.4A-4C and 4F. Instead of dragging the payment amount to the friendcircle as shown in FIG. 4G, first user 102 can drag second user 104 tothe payment amount and trigger the exemplary page 600 shown in FIG. 6.As shown, a short and simple message 628 in large font is overlaid onthe friend image. First user 102 can tap anywhere in the message circle428 to request the payment amount from the second user 104. Should firstuser 102 want to change anything in the payment request or to cancel, heor she can tap the “X” 632.

The present disclosure describes systems and methods that make payingwith a user device more convenient. A user is able to use variousgesture inputs to indicate details of a transaction, rather than havingto read and type words and numbers. Advantageously, the presentdisclosure provides GUIs that allow a user to explore and navigatefriends or contacts that are nearby, easily populate transaction amountsusing, for example, the speed of a gesture, and complete transactionswith minimal clicking.

Referring now to FIG. 7, a block diagram of a system 700 is illustratedsuitable for implementing embodiments of the present disclosure,including user devices 120 and 140, one or more merchant servers ordevices 130, and service provider server or device 180. In variousimplementations, the user devices 120 and 140 may include a mobilecellular phone, personal computer (PC), laptop, wearable computingdevice, etc. adapted for wireless communication, and the merchant server130 and service provider server 180 may comprise a network computingdevice, such as a server. Thus, it should be appreciated that thedevices 120, 130, 140, and 180 may be implemented as computer system 700in a manner as follows.

Computer system 700 includes a bus 712 or other communication mechanismfor communicating information data, signals, and information betweenvarious components of computer system 700. Components include aninput/output (I/O) component 704 that processes a user (e.g., sender,recipient, service provider) action, such as selecting keys from akeypad/keyboard, selecting one or more buttons or links, etc., and sendsa corresponding signal to bus 712. I/O component 704 may also include anoutput component, such as a display 702 and a cursor control 708 (suchas a keyboard, keypad, mouse, etc.). An optional audio input/outputcomponent 706 may also be included to allow a user to use voice forinputting information by converting audio signals. Audio I/O component706 may allow the user to hear audio. A transceiver or network interface720 transmits and receives signals between computer system 700 and otherdevices, such as another user device, a merchant server, or a serviceprovider server via network 722. In one embodiment, the transmission iswireless, although other transmission mediums and methods may also besuitable. A processor 714, which can be a micro-controller, digitalsignal processor (DSP), or other processing component, processes thesevarious signals, such as for display on computer system 700 ortransmission to other devices via a communication link 724. Processor714 may also control transmission of information, such as cookies or IPaddresses, to other devices.

Components of computer system 700 also include a system memory component710 (e.g., RAM), a static storage component 716 (e.g., ROM), and/or adisk drive 718. Computer system 700 performs specific operations byprocessor 714 and other components by executing one or more sequences ofinstructions contained in system memory component 710. For example,processor 714 can detect one or more gesture inputs and display one ormore GUIs in response to the gesture inputs. Logic may be encoded in acomputer readable medium, which may refer to any medium thatparticipates in providing instructions to processor 714 for execution.Such a medium may take many forms, including but not limited to,non-volatile media, volatile media, and transmission media. In variousimplementations, non-volatile media includes optical or magnetic disks,volatile media includes dynamic memory, such as system memory component710, and transmission media includes coaxial cables, copper wire, andfiber optics, including wires that comprise bus 712. In one embodiment,the logic is encoded in non-transitory computer readable medium. In oneexample, transmission media may take the form of acoustic or lightwaves, such as those generated during radio wave, optical, and infrareddata communications.

Some common forms of computer readable media includes, for example,floppy disk, flexible disk, hard disk, magnetic tape, any other magneticmedium, CD-ROM, any other optical medium, punch cards, paper tape, anyother physical medium with patterns of holes, RAM, PROM, EPROM,FLASH-EPROM, any other memory chip or cartridge, or any other mediumfrom which a computer is adapted to read.

In various embodiments of the present disclosure, execution ofinstruction sequences to practice the present disclosure may beperformed by computer system 700. In various other embodiments of thepresent disclosure, a plurality of computer systems 700 coupled bycommunication link 724 to the network (e.g., such as a LAN, WLAN, PTSN,and/or various other wired or wireless networks, includingtelecommunications, mobile, and cellular phone networks) may performinstruction sequences to practice the present disclosure in coordinationwith one another.

Where applicable, various embodiments provided by the present disclosuremay be implemented using hardware, software, or combinations of hardwareand software. Also, where applicable, the various hardware componentsand/or software components set forth herein may be combined intocomposite components comprising software, hardware, and/or both withoutdeparting from the spirit of the present disclosure. Where applicable,the various hardware components and/or software components set forthherein may be separated into sub-components comprising software,hardware, or both without departing from the scope of the presentdisclosure. In addition, where applicable, it is contemplated thatsoftware components may be implemented as hardware components andvice-versa.

Software in accordance with the present disclosure, such as program codeand/or data, may be stored on one or more computer readable mediums. Itis also contemplated that software identified herein may be implementedusing one or more general purpose or specific purpose computers and/orcomputer systems, networked and/or otherwise. Where applicable, theordering of various steps described herein may be changed, combined intocomposite steps, and/or separated into sub-steps to provide featuresdescribed herein.

The various features and steps described herein may be implemented assystems comprising one or more memories storing various informationdescribed herein and one or more processors coupled to the one or morememories and a network, wherein the one or more processors are operableto perform steps as described herein, as non-transitory machine-readablemedium comprising a plurality of machine-readable instructions which,when executed by one or more processors, are adapted to cause the one ormore processors to perform a method comprising steps described herein,and methods performed by one or more devices, such as a hardwareprocessor, user device, server, and other devices described herein.

What is claimed is:
 1. A system comprising: a non-transitory memory; andone or more hardware processors coupled to the non-transitory memory andconfigured to read instructions from the non-transitory memory to causethe system to perform operations comprising: providing for display on agraphical user interface (GUI) of a mobile computing device, availablefunding sources for sending funds to a contact; receiving, from themobile computing device, a selection of a funding source from theavailable funding sources; providing for display on the GUI of themobile computing device, in response to receiving the selection of thefunding source, a payment indicator; receiving, via the GUI of themobile computing device, a touch input associated with the paymentindicator; determining a transaction amount based on a contact pointdependent measurement of the touch input; and providing for display onthe GUI of the mobile computing device the determined transaction amountwith the payment indicator.
 2. The system of claim 1, wherein thecontact point dependent measurement of the touch input includes at leastone of a pressure of the touch input or a number of contact points ofthe touch input.
 3. The system of claim 2, wherein the touch inputreceived on the GUI of the mobile computing device includes a gesture,and wherein the gesture corresponds to an increase or a decrease in thetransaction amount.
 4. The system of claim 3, wherein the contact pointdependent measurement of the touch input comprises at least the pressureof the touch input, wherein the operations further comprise analyzingthe pressure of the touch input to determine a rate of the increase ordecrease of the transaction amount.
 5. The system of claim 4, whereinthe pressure of the touch input is measured by a change of capacitancearound the touch input, and wherein a greater pressure corresponds to ahigher rate of the increase or decrease of the transaction amount. 6.The system of claim 3, wherein the contact point dependent measurementof the touch input comprises at least the number of contact points ofthe touch input, wherein the operations further comprise analyzing thenumber of contact points to determine a rate of the increase or a rateof the decrease of the transaction amount.
 7. The system of claim 6,wherein a larger number of contact points corresponds to a higher rateof the increase or decrease of the transaction amount.
 8. The system ofclaim 3, wherein the operations further comprise displaying an imageassociated with the contact, and wherein the gesture is a circle drawnaround the image associated with the contact.
 9. The system of claim 8,wherein an increase in the transaction amount is represented by one of aclockwise circular gesture or a counter-clockwise circular gesture, anda decrease in the transaction amount is represented by the other of theclockwise circular gesture or the counter-clockwise circular gesture.10. The system of claim 2, wherein the contact point dependentmeasurement of the touch input comprises at least the number of contactpoints of the touch input, wherein the operations further compriseanalyzing the number of contact points to determine the transactionamount.
 11. The system of claim 1, wherein the touch input received onthe GUI comprises a gesture, wherein the contact point dependentmeasurement of the touch input comprises a spatial length of thegesture, and wherein a proportionally larger amount is determined forthe transaction amount in response to detecting a longer gesture.
 12. Amethod, comprising: providing for display on a graphical user interface(GUI) of a mobile computing device available funding sources for sendingfunds to a contact; receiving, from the mobile computing device, aselection of a funding source from the available funding sources;providing for display on the GUI of the mobile computing device, inresponse to receiving the selection of the funding source, a paymentindicator; receiving, via the GUI of the mobile computing device, atouch input associated with the payment indicator; determining atransaction amount based on a contact point dependent measurement of thetouch input, wherein the contact point dependent measurement of thetouch input includes at least one of a pressure of the touch input or anumber of contact points of the touch input; and providing for displayon the GUI of the mobile computing device the determined transactionamount with the payment indicator.
 13. The method of claim 12, whereinthe contact point dependent measurement of the touch input includes boththe pressure and the number of contact points of the touch input. 14.The method of claim 13, wherein the touch input received on the GUI ofthe mobile computing device includes a gesture corresponding to anincrease or a decrease in the transaction amount.
 15. The method ofclaim 14, wherein the transaction amount is determined based on aspatial length of the gesture, wherein a proportionally larger amount isdetermined for the transaction amount in response to detecting a longergesture.
 16. The method of claim 15, further comprising: analyzing thepressure of the touch input to determine a rate of increase or a rate ofdecrease of the transaction amount for the gesture, wherein a greaterpressure corresponds to a higher rate of the increase or the decrease ofthe transaction amount; and analyzing the number of contact points todetermine a rate of the increase or decrease of the transaction amountfor the gesture, wherein a larger number of contact points correspondsto a higher rate of the increase or the decrease of the transactionamount compared to a smaller number of contact points.
 17. Anon-transitory machine-readable medium having stored thereonmachine-readable instructions executable to cause a machine to performoperations comprising: providing for display on a graphical userinterface (GUI) of a mobile computing device, available funding sourcesfor sending funds to a contact; receiving, from the mobile computingdevice, a selection of a funding source from the available fundingsources; providing for display on the GUI of the mobile computingdevice, in response to receiving the selection of the funding source, apayment indicator; receiving, via the GUI of the mobile computingdevice, a touch input associated with the payment indicator; determininga transaction amount based on a contact point dependent measurement ofthe touch input; and providing for display on the GUI of the mobilecomputing device the determined transaction amount with the paymentindicator.
 18. The non-transitory machine-readable medium of claim 17,wherein the contact point dependent measurement of the touch inputincludes at least one of a pressure of the touch input or a number ofcontact points of the touch input.
 19. The non-transitorymachine-readable medium of claim 18, wherein the touch input received onGUI of the mobile computing device includes a gesture, and wherein thegesture corresponds to an increase or a decrease in the transactionamount.
 20. The non-transitory machine-readable medium of claim 18,wherein the contact point dependent measurement of the touch inputcomprises the pressure of the touch input, wherein the operationsfurther comprise analyzing at least one of the pressure of the touchinput or the number of contact points of the touch input to determine arate of increase or a rate of decrease of the transaction amount.